Coverage for shops, restaurants, and hospitality operators
A customer slips on a wet floor. A walk-in cooler fails on a Friday night. A line cook burns a hand. A server over-pours and the guest drives home. Retail and hospitality are high-frequency businesses by nature. We write them every day and price accordingly.
How the coverage usually fits together
A Business Owner's Policy bundles property and general liability for most shops and restaurants. From there it's about endorsements. Liquor liability if you serve alcohol. Spoilage if you have a walk-in. Equipment breakdown for hood vents, fryers, and dishwashers. Employment practices liability once your hourly staff grows past ten.
Coverages we write
Business Owner's Policy (property and GL bundled). Liquor Liability, required by most landlords serving alcohol. Workers' Compensation, including tip-credit wage reporting. Commercial Auto for delivery vehicles and catering vans. Cyber for POS systems and stored cardholder data. Employment Practices Liability.
Operations we cover
Full-service and quick-service restaurants, cafes, bakeries, food trucks, breweries, taprooms, boutique retail, convenience and liquor stores, hotels, motels, B&Bs, vacation rentals, salons, spas, and event venues.
Tell us about your business and we'll come back with options from carriers writing your class.
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